Ray County property record for 646 E Elm St, Hardin, MO 64035 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,088 sqft · built 1899 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $186 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 09-08-33-02-000-036.000 |
| Primary APN | 09-08-33-02-000-036.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 244 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 646 E ELM ST |
|---|---|
| City | HARDIN |
| State | MO |
| Zip | 64035-9142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL LOT 3 BLOCK 4 MERRIFIELD AND GEORGE ADDITION |
| Legal Range | 26 |
| Legal Township | 52 |
| Legal Section | 33 |
| Legal Subdivision | MERRIFIELD AND GEORGE ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | RAY MO |
| Township / Civil Division | CROOKED RIVER |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 80100 |
Source: Ray County records · APN 09-08-33-02-000-036.000
Assessment roll updated April 24, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 E ELM ST, HARDIN, MO 64035-9142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
Source: Ray County records · Assessment roll updated April 24, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Ray County |
| Municipality | Hardin City |
| Unified School District | Hardin-Central C-2 School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186.00 (+5.68%) | $2,480 (+5.53%) Land $210 Building $2,270 | $13,040 (+5.59%) Land $1,100 Building $11,940 |
| 2024 | $176.00 (+10.69%) | $2,350 (+9.3%) Land $210 Building $2,140 | |
| 2023 | $12,350 (+9.1%) Land $1,100 Building $11,250 | ||
| 2022 | $159.00 | $2,150 Land $190 Building $1,960 | |
| 2021 | $11,320 Land $1,000 Building $10,320 |
Source: FEMA National Flood Hazard Layer, Ray County (29177C), updated June 19, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291770801003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jul 1993, river or lake flooding, Severe Storms & Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Brightspeed | Fiber | 2,000 / 2,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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